I once had an accident with a heater, came home and 12 fullgrown discus was dead, took pictures of them all on a meter, went to the pet store, got estimated price for them all and called the ensurance company. They were not really willing and said that they would cover the loss if the aquarium was broken. I just said that i have 2000 dollars of fish dead, and aquarium is worth 200, maybe i will have a accident with the aquarium while im cleaning my floors when we are done talking. I got it all back on ensurance, i think it was a one timer tho, and i really made a heck of a "brokenpaper" with pictures, info about the fish, links to places where they could read about the fish etc.. Had money the next week. The funny thing is that i probably paid 300 dollars for the fish private. And the estimate was store price.